Long Island Planning Group, Ltd.

<body bgcolor="#ffffff" text="#000000"> <table style="font-family:Arial, Helvetica, sans-serif;" border="0" cellpadding="0" cellspacing="0" width="609"> <tr> <td width="384" valign="top"> <table cellpadding="3" cellspacing="0" border="0" width="384"> <tr> <td align="center" width="1%" valign="middle"> <img src="/files/1749/LIPGlogoSmall.gif" alt="Long Island Planning Group, Ltd." height="101" width="130" border="0"> </td> <td> <img src="/graphics/spacer.gif" WIDTH="10" HEIGHT="1" border="0"></td> <td align="left" valign="middle" width="99%"> <span style="font: 10pt Arial, Helvetica, sans-serif;"> <b>Personal Service for a Secure Future</b> <br> <br>6800 Jericho Tpke.<br />Suite 203W <br>Syosset, NY 11791 <br>Phone: < <B><U>Syosset Location</U></B> 516-682-8400</FONT SIZE> <br>FAX: <B><U>Syosset Location</U></B> 516-682-8590</FONT SIZE> <br> <table border="0" cellpadding="0" cellspacing="0"> <tr style="font:10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <td>Email:  </td><td> <a href="mailto:risrael@jhnetwork.com"> risrael@jhnetwork.com</a> <br> </td> </tr> </table> </span> </td> </tr> <tr> <td colspan="4" style="font: 10pt Arial, Helvetica, sans-serif; vertical-align:top;"> <p><br /> <table cellspacing="0" cellpadding="0" width="100%" border="0"> <tbody> <tr> <td width="100%"><font face="Arial, helvetica, sans-serif" size="3">The Long Island Planning Group, Ltd., located in Syosset, New York, has been in business since 1975 offering financial products and services. Employee benefits help provide the foundation for a sound financial future. We help our clients coordinate their life insurance, health insurance and long term care insurance needs with their financial goals. We work with our clients, both individuals and businesses, to create a diversified portfolio that recognizes their objectives.<br /> <br /> Our goal is to establish and maintain a firm relationship with our clients. After discussing the needs of our clientele, we develop and discuss the available options. Understanding our clients' objectives allows us to offer our experience in financial products and strategies to develop sound and workable plans. Coordination with the clients' advisors including their CPAs, attorneys, bankers, trustees and trust officers is essential to our team oriented approach. Our periodic reviews will help clients achieve their goals, even as they change over time.<br /> </font></td> </tr> </tbody> </table> </p> <div align="left"> <table cellspacing="0" cellpadding="0" width="100%" border="0"> <tbody> <tr> <td width="100%"><br />  </td> </tr> </tbody> </table> <br /> <br />  </div> </td> </tr> </table> <table border="0" cellpadding="0" cellspacing="0" width="384"> <tr><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/J/TJHb_r4_c1.gif" width="192" height="43" border="0" alt="Calculators"></td><td colspan="2" width="192" height="43" valign="bottom"><img src="/graphics/J/TJHb_r4_c4.gif" width="192" height="43" border="0" alt="Newsletters"></td></tr> <tr><td width="14" valign="top" background="/graphics/J/TJHb_r5_c1.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=123" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Life Insurance</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>How much life insurance would you need to produce a sufficient income stream for your family?</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=content.cfm?ID=128" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Risk Tolerance</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br>This calculator is designed to help you clarify your comfort level with investment risk.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Calculators>>></font></b></a> </p> </td><td width="14" valign="top" background="/graphics/J/TJHb_r5_c4.gif"> </td> <td valign="top" width="178"> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=3217" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Leaving Your Home Out of the Retirement Equation</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Plummeting home prices and increased borrowing cut U.S. home equity by more than 60% during the Great Recession — and housing prices have not yet recovered. This article considers the potential drawbacks of depending on home equity to help fund retirement.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=2739" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Consider Your Retirement Needs, but Don't Forget Your Retirement Wants</font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> A rule of thumb is that workers will need to replace about 80% of their pre-retirement incomes to maintain their standard of living in retirement. But they may need more than 80% to fund a lifestyle that they can truly look forward to. As people grow older, what once may have been considered luxuries can become basic needs.</font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=3110" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Giving Strategies That Can Give Back </font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Americans gave more than $290 billion to charity in 2010, despite the slow economy. About 73% of charitable donations came directly from individuals. This article explains how a charitable remainder trust and a charitable lead trust could be used to provide more control over gifts while potentially benefiting the giver and his or her heirs. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=content.cfm?ID=3064" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#003366">Tax-Efficient Investments for the Tax-Averse </font></b></a> <font size="1" face="Arial, Helvetica, sans-serif"><br> Raising taxes is one of many ideas that have been proposed to help reduce mounting federal budget deficits. Readers who are concerned about the prospect of higher taxes in the future may want to consider the tax advantages associated with municipal bonds and tax-exempt mutual funds. </font></p> <p><a style="text-decoration:none" href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <b><font size="2" face="Arial, Helvetica, sans-serif" color="#FF0000">More Newsletters>>></font></b></a> </p> </td></tr> </table> </td> <td width="225" valign="top"> <table border="0" cellpadding="0" cellspacing="0" width="225"> <tr> <td colspan="2" width="225" height="32" valign="bottom"> <img src="/graphics/J/TJHb_r1_c6.gif" width="225" height="32" border="0" alt="Market Watch"></td> </tr> <tr> <td width="14" background="/graphics/J/TJHb_r2_c6.gif"> </td> <td valign="top" width="211"> <font face="Arial, Helvetica, sans-serif" size="1"> <div class="resourceElement"> <div class="closed" id="marketWatch"> <h2> <img src="/include/images/spacer.gif" class="toggleDiv"/> <a href="marketwatch.cfm">Market Watch</a> </h2> <div class="text"> <p> <a href="quotes.cfm">Detailed Quote</a> </p> <p> <a href="quotes.cfm?sub=lookup">Symbol Lookup</a> </p> <p> <a href="quotes.cfm?sub=multi">Multi Quote</a> </p> <p> <a href="markets.cfm">Markets at a Glance</a> </p> <p> <a href="charts.cfm">Charting</a> </p> <p> <a href="portfolio.cfm">Portfolio</a> </p> </div> </div> </div> <div class="resourceElement"> <div id="marketWatch2"> <p>February 08, 2012 @ 12:37 PM</p> <table cellspacing="0"> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$COMPQ" target="mondo"><strong>Nasdaq Composite</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 2,903.17</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 0.91</strong></font></td></tr> <tr><td align="left"><font face="Arial, Helvetica, sans-serif" size="-2"> <a style="text-decoration:none; color: #000000" href="quotes.cfm?symbol=$SPX" target="mondo"><strong>S&P 500</strong></a></font> </font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong> 1,345.97</strong></font></td> <td align="right" nowrap><font face="Arial, Helvetica, sans-serif" size="-2" color="#B00000"> <strong>- 1.08</strong></font></td></tr> <tr><form action="http://www.emerald.idmanagedsolutions.com/stocks/quote?symbol=" method="get" target="lower"> <td align="center" colspan="3"><br><input type="text" size="6" maxlength="6" name="s" value=""> <input type=submit value="Get Quote"></td></form></tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" size="-1"> <br>[ <a style="text-decoration:none; color: #000000" href="markets.cfm" target="mondo"><font color="#000000">Markets</font></a> | <a style="text-decoration:none; color: #000000" href="charts.cfm" target="mondo"><font color="#000000">Charts</font></a> | <a style="text-decoration:none; color: #000000" href="quotes.cfm" target="mondo"><font color="#000000">Quotes</font></a> | <a style="text-decoration:none; color: #000000" href="portfolio.cfm" target="mondo"><font color="#000000">Portfolio</font></a> ]</font></td> </tr><tr><td colspan="3" align="center"><font face="Arial, Helvetica, sans-serif" style="font-size:7pt;"><br>Market data delayed per exchange rules. <br>All quotes are in US Eastern Time (EST). <br>© eSignal. A division of  <br>Interactive Data Corporation. (NYSE:IDC)  <br>All rights reserved.</font></td> </tr></table> </td> </tr> <tr> <td colspan="2" width="192" height="43"><img src="/graphics/J/TJHb_r4_c6.gif" width="225" height="43" border="0"></td> </tr><tr> <td rowspan="13" width="14" valign="top" background="/graphics/J/TJHb_r5_c6.gif"> </td> <td width="211"><a href="index.cfm?type=R&source=research_hdr.cfm" target="_top"> <img src="/graphics/J/TJHb_r5_c7.gif" width="211" height="52" border="0" alt="Articles"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">Educate yourself on a variety of <br> financial topics.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=C&source=calc_hdr.cfm" target="_top"> <img src="/graphics/J/TJHb_r7_c7.gif" width="211" height="56" border="0" alt="Calculators"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1">A host of financial tools to assist<br>you.</font></td> </tr><tr> <td width="211"><a href="index.cfm?type=N&source=news_hdr.cfm" target="_top"> <img src="/graphics/J/TJHb_r9_c7.gif" width="211" height="56" border="0" alt="Newsletters"></a></td> </tr> <tr> <td valign="top" width="211"><font face="Arial, Helvetica, sans-serif" size="1"> Timely Newsletters to help you<br>stay current.</font></td> </tr> <tr> <td width="211"> <a href="glossary.cfm" target="mondo"> <img src="/graphics/J/TJHb_r11_c7.gif" width="211" height="56" border="0" alt="Glossary"></a></td> </tr> <tr> <td valign="top" width="211"> <font size="1" face="Arial, Helvetica, sans-serif"> Financial terms from A to Z. </font> </td> </tr> <tr> <td width="211"><img name="Leftnavmain_r13_c7" src="/graphics/J/TJHb_r13_c7.gif" width="211" height="14" border="0"></td> </tr> </table> </td> </tr> <tr><td colspan="3"><br> <div style="text-align:center; font-family:Arial, Helvetica, sans-serif; font-size:10px;"> <p> 300 Jericho Quadrangle West , Suite 310 - Jericho, NY 11753 - 516-918-3535 </p> </div> <p style="text-align:center; font-family:Arial, Helvetica, sans-serif; font-size:10px;">We are licensed to sell Insurance Products in the following states:<br /> New York.</p> <p style="text-align:center; font-family:Arial, Helvetica, sans-serif; font-size:10px;">We are registered to sell Securities in the following states:<br /> New York.</p> <p style="text-align:center; font-family:Arial, Helvetica, sans-serif; font-size:10px;"> Offering John Hancock insurance products.<br> Securities and Investment Advisory Services offered through Signator Investors, Inc.,<br> Member <a href="http://www.finra.org" target="_blank">FINRA</a>, <a href="http://www.sipc.org" target="_blank">SIPC</a>, a Registered Investment Advisor. </p> <p style="text-align:center; font-family:Arial, Helvetica, sans-serif; font-size:10px;"><a href="http://www.johnhancock.com/privacysecurity.html" target="_blank">Privacy Policy</a></p> </td></tr></table></div></body></html>